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					    HIGHLAND
     Financial Group




            BUSINESS
             LOAN
     APPLICATION


            Sabi Varon
Vice President, Commercial Lending


  1155 Hammond Drive, Building D, Suite 4060 Atlanta, GA 30328
          Phone:770 730-1707       Fax: 770 730-1708
                                    Business Loan Application
  This checklist has been provided to assist you in gathering the necessary information for the initial evaluation of your SBA loan
     request. Complete information will be necessary to process your application. Forms have been provided for items 1 - 12.

 1.       LOAN REQUEST FORM

 2.       HISTORY OF BUSINESS FORM (Completed by all applicants)

 3.       CERTIFICATE OF SECRETARY - Corporations only.

 4.       NOTES PAYABLE SCHEDULE - This schedule must be dated the same as the interim
           financial statement and reflect all outstanding liabilities as shown on the interim financial
           statement.

 5.       ESTIMATED PROJECTION AND FORECAST (please provide assumptions)

 6.       PROJECTED MONTHLY CASH FLOW FOR ONE YEAR

 7.       MANAGEMENT RESUME(S) - Provide complete resumes on all proprietors, partners, officers,
           directors, key employees, guarantors, and stockholders.

 8.       ENVIRONMENTAL QUESTIONNAIRE – Must be completed by seller/owner for all commercial
           properties being purchased with loan proceeds, being pledged as collateral, or being leased.

 9.       STATEMENT OF PERSONAL HISTORY (FORM 912) - Must be completed by individuals
           identified in Personal Financial Statement and for each director and/or key employee.

 10. PERSONAL FINANCIAL STATEMENT - Complete on all proprietors, guarantors, partners and
           stockholders with 20% or more of stock issued and any officer with at least 5% ownership; all
           dated the same date, not over 45 days old.

 11. PERSONAL INCOME AND EXPENSE ANALYSIS

 12. FORM 4506- REQUEST FOR COPY OR TRANSCRIPT OF TAX RETURN – A form must be
           completed for all individuals with ownership of 20% or more of stock issued, partners, officers
           and/or guarantors of the proposed loan. A form must also be completed for the borrowing
           entity, if other than a sole proprietorship.

 13. AGING OF RECEIVABLES/PAYABLES - Balanced to interim financial statement.

 14. AUTHORIZATION TO RELEASE INFORMATION
           In addition, please provide the following:

 15. BUSINESS PLAN - Must be provided on all start-up businesses and expansions.

 16. BUSINESS FINANCIAL STATEMENTS AND TAX RETURNS - Income statements, balance
           sheets and federal tax returns for three prior year-end time periods.
 17. INTERIM BUSINESS FINANCIAL STATEMENT - Income statement and balance sheet dated
        no older than 45 days.

 18. PERSONAL TAX RETURNS AND W-2'S - Complete federal and state, if applicable, tax
        returns for the past three years for those identified in No.12.

 19. ESTIMATED COST OF CONSTRUCTION - If applicable, supported by bids.

 20. LIST OF EQUIPMENT/MACHINERY TO BE PURCHASED - Include description of
        equipment/machinery and bids.

 21. COPY OF EXECUTED SALES CONTRACT OR PURCHASE AGREEMENT, INCLUDING
        ALL ADDENDUMS OR SCHEDULES, FOR PROPERTY OF BUSINESS TO BE ACQUIRED.


 22. COPIES OF ORIGINAL NOTES TO BE REFINANCED – If applicable.

 23. COPY OF PROPOSED FRANCHISE AGREEMENT - If applicable.

 24. ARTICLES OF INCORPORATION AND BY-LAWS, IF CORPORATION. PARTNERSHIP
        AGREEMENT OR ARTICLES OF ORGANIZATION / OPERATING AGREEMENT IF LLC.

 25. COPY OF BUSINESS LICENSE - If applicable.

 26. COPY OF LEASE OR PROPOSED LEASE - If leasing commercial property.

 27. FINANCIALS ON ALL AFFILIATES - If applicable, we need income statements, balance
        sheets and federal tax returns for three prior year-end time periods. In addition, an interim
        financial stated dated no older than 45 days, with business debt schedule balanced to interim.

 28. COPY OF RESIDENTIAL ALIEN CARD OR APPLICABLE INS DOCUMENT -Front and back
        (if not a U.S. Citizen) and INS Authorization.



        FOR ADDITIONAL INFORMATION,
        PLEASE CONTACT OR VISIT OUR OFFICE:

        HIGHLAND Financial Group
        Sabi Varon
        VICE PRESIDENT
        1155 Hammond Driv
        Building D, Suite 4060
        Atlanta, GA 30328
        TELEPHONE:                      (770) 730-1707
        FAX:                            (770) 730-1708
HIGHLAND Financial Group

770 730-1707
770 730-1708 fax


                                            Loan Request Form

APPLICANT COMPANY
    Legal Business Name______________________________ Telephone ________________
    Dba name (if applicable) ____________________________ Fax: _____________________
    Address _________________________________________ City ______________State___
    Primary Contact ___________________________________ Tax ID # _________________
    Type of Business __________________________________ Date Established __________
    Type of Entity:  Corporation     Partnership   LLC      Sole Proprietorship
    Number of Employees: Existing _______________________ After This Loan ____________

REFERENCES
    Bank Contact _____________________________________ Telephone ________________
    Accountant Name _________________________________ Telephone ________________
    Attorney Name ____________________________________ Telephone ________________
    Trade Reference __________________________________ Telephone ________________

OWNERSHIP OF APPLICANT COMPANY
  List below all officers, directors, partners, owners & co-owners, and all stockholders with 20% or more of total
  stock issued.                                                        % OF                     ANNUAL
                NAME                              TITLE              OWNERSHIP                COMPENSATION
___________________________________           _____________       ___________________       ____________________
___________________________________           _____________       ___________________       ____________________
___________________________________           _____________       ___________________       ____________________

AFFILIATES
    List below all business concerns in which the applicant company or any of the individuals listed in the ownership
    Section above have any ownership.                           OWNER                                     % OF
          COMPANY NAME                         (APPLICANT COMPANY OR INDIVIDUALS)                     OWNERSHIP
___________________________________ ________________________________________ ______________
___________________________________ ________________________________________ ______________

ESTIMATED PROJECT COSTS
   Land acquisition                                                       $ _____________________________
   New Building construction / renovations                                $ _____________________________
   Land and building acquisition                                          $ _____________________________
   Acquisition of machinery/equipment                                     $ _____________________________
   Inventory purchase                                                     $ _____________________________
   Working capital (include AP & soft costs)                              $ _____________________________
   Acquisition of all or part of existing business                        $ _____________________________
   Payoff SBA loan                                                        $ _____________________________
   Payoff bank loan (non-SBA associated)                                  $ _____________________________
   Other debt payment (non-SBA associated)                                $ _____________________________
 TOTAL ESTIMATED PROJECT AMOUNT                                           $ _____________________________
 LESS OWN FUNDS TO BE USED IN PROJECT                                     $ (___________________________)
 TOTAL LOAN REQUESTED FOR PROJECT                                         $ _____________________________

  COMMENTS & EXPLANATIONS
HIGHLAND Financial Group

770 730-1707
770 730-1708 fax
                                HISTORY OF BUSINESS
                   (Use separate attachments to answer questions if necessary)

BACKGROUND AND HISTORY OF PRINCIPALS AND COMPANY




NATURE OF BUSINESS, TYPES OF PRODUCTS AND SERVICES




CUSTOMER PROFILE




LIST KEY CUSTOMERS                                   LIST MAJOR COMPETITORS




MAJOR PAST ACCOMPLISHMENTS




FUTURE PLANS FOR GROWTH/EXPANSION




HOW WILL THIS LOAN BENEFIT YOUR COMPANY?




WILL THE FUNDING OF THIS LOAN CREATE NEW EMPLOYMENT OPPORTUNITIES?




Signature ___________________________________              Date ____/____/____
  CERTIFICATE OF SECRETARY / ORGANIZATION
I certify that I am the secretary of ____________________________________________,
and that the following persons hold positions in this corporation and/or own shares in this
corporation in the amount and for designated.

   DIRECTORS

   (name) __________________________________________________________

   (name) __________________________________________________________

   (name) __________________________________________________________

   OFFICERS / MEMBERS / PARTNERS

   Name: ____________________________________ Title: __________________

   Name: ____________________________________ Title: __________________

   Name: ____________________________________ Title: __________________

   Name: ____________________________________ Title: __________________

   SHAREHOLDERS

                                       Number        % of Shares          Form of
   Name                                of Shares     Outstanding          Ownership

   ______________________             ________       __________           _________

   ______________________             ________       __________           _________

   ______________________             ________       __________           _________

   ______________________             ________       __________           _________

   Date: ___________________                 By: _____________________________
                                                                NOTES PAYABLE SCHEDULE
                                                                      HIGHLAND Financial Group

                                                                                 770 730-1707
                                                                               770 730-1708 fax

Company Name:                                                                                                                 Date:
This schedule should contain loans for contracts and notes payable, not accounts payable or accrued liabilities (same as interim statement)

                                          ORIGINAL        ORIGINAL        PRESENT         INTEREST      MONTHLY        MATURITY
CREDITOR Name/Address                      DATE           AMOUNT          BALANCE           RATE        PAYMENT          DATE             COLLATERAL/SECURITY




TOTAL PRESENT BALANCE


Signature:                                                                               Date:
   HIGHLAND Financial Group


         ESTIMATED PROJECTION AND FORECAST OF TWO YEAR'S EARNINGS

APPLICANT'S NAME: ______________________________________________________________________________


                                      FIRST YEAR PROJECTIONS                       SECOND YEAR PROJECTIONS
                                      Dollar Estimates % of Gross                  Dollar Estimates % of Gross
                                      (See Note Below) Receipts                    (See Note Below) Receipts

   TOTAL SALES                          $                                          $
   COGS                                 $                                          $
   GROSS PROFIT                         $                                          $
   DEPRECIATION                         $                                          $
   RENT                                 $                                          $
   ACCOUNTING AND LEGAL                 $                                          $
   ADVERTISING                          $                                          $
   BAD DEBT EXPENSE                     $                                          $
   DUES AND SUBSCRIPTIONS               $                                          $
   INSURANCE                            $                                          $
   MISCELLANEOUS                        $                                          $
   OFFICERS SALARIES                    $                                          $
   PAYROLL TAXES                        $                                          $
   REPAIRS                              $                                          $
   SALARIES                             $                                          $
   SELLING EXPENSES                     $                                          $
   SUPPLIES                             $                                          $
   TAXES                                $                                          $
   TELEPHONE                            $                                          $
   TRAVEL & ENTERTAINMENT               $                                          $
   UTILITIES                            $                                          $
   AMORTIZATION                         $                                          $
   OTHER____________________            $                                          $
   OTHER____________________            $                                          $
   OTHER____________________            $                                          $
   OTHER____________________            $                                          $
   OTHER____________________            $                                          $
   TOTAL OPERATING EXPENSES             $                                          $

   OPER. PROFIT BEFORE TAX              $                                          $

   INTEREST EXP. (INCOME)               $                                          $
   SBA INTEREST                         $                                          $
   OTHER____________________            $                                          $
   INCOME TAXES                         $                                          $
   WITHDRAWALS/DIVIDENDS                $                                          $
   NET PROFIT AFTER TAXES               $                                          $
   WITHDRAWS, DIVIDENDS                 $                                          $

   NOTE: Attach narrative explaining basis for projections, showing sales, expenses, and profits.

   I CERTIFY THAT THE DATA FAIRLY REPRESENTS POTENTIAL ANNUAL EARNINGS TO THE BEST OF
   MY/OUR KNOWLEDGE.

   SIGNATURE                                            TITLE                              DATE
   ________________________________________             __________________________________ ______________
                                                                  PROFIT AND LOSS PROJECTION
Month                               1            2            3            4           5          6       7   8   9   10     11   12   TOTAL

Total Sales
Net Sales
Cost of Goods Sold
Gross Profit

Depreciation
Rent
Accounting & Legal
Advertising
Bad Debt Expense
Dues & Subscriptions
Insurance
Officer's Salaries
Salaries
Payroll Taxes
Repairs & Maint
Miscellaneous
Selling Expenses
Supplies
Taxes
Telephone
Travel & Entertainment
Utilities
Amortization
Outside Services
Bulb Replacement
Reserves & Escrow
Other
Total Operating Expenses

Oper Profit Before Taxes

Interest Expense (income)
Interest
Other
Income Taxes
Withdrawals/Dividends
Net Profit After Taxes
TOTALS

I certify that the data fairly represents potential annual earnings to the best of my knowledge



Signature                                                                                             Title                Date
HIGHLAND Financial Group

770 730-1707
770 730-1708 fax
                                      MANAGEMENT RESUME
Please fill in all spaces. If an item is not applicable please indicate as such. You may include additional relevant
information on a separate exhibit. SIGN/DATE where indicated.
PERSONAL INFORMATION:

  NAME ______________________________________________________________________ SS# ___________________

  DATE OF BIRTH _________________________________ PLACE OF BIRTH ___________________________________

  RESIDENCE TELEPHONE _________________________ BUSINESS TELEPHONE ______________________________

  RESIDENCE ADDRESS ______________________________________________________________________

  FROM ________________ TO PRESENT DATE

  PREVIOUS ADDRESS __________________________________________________________________________________

  FROM ________________ TO _________________

  SPOUSE'S NAME ______________________________________________________________ SS# __________________

  ARE YOU EMPLOYED BY THE U.S. GOVERNMENT?  Yes  No               AGENCY POSITION _____________________

  ARE YOU A U.S. CITIZEN?  Yes  No       IF NO, GIVE ALIEN REGISTRATION NUMBER ____________________

EDUCATION:
  College/Technical Training-Name/Location        Dates Attended      Major         Degree/Certification
  _____________________________________           _____________       __________    _________________
  _____________________________________           _____________       __________    _________________
  _____________________________________           _____________       __________    _________________

MILTARY SERVICE BACKGROUND:
 Branch of Service ______________________________________________ Dates of Service __________________________

WORK EXPERIENCE: List chronologically beginning with present employment.

  Company Name/Location ________________________________________________________________________________

  From _________________________ To _________________________ Title _____________________________________

  Duties ________________________________________________________________________________________________

  Company Name/Location ________________________________________________________________________________

  From _________________________ To _________________________ Title _____________________________________

  Duties ________________________________________________________________________________________________

  Company Name/Location ________________________________________________________________________________

  From _________________________ To _________________________ Title _____________________________________

  Duties ________________________________________________________________________________________________


  ________________________________________________________________          ________________________________
  Signature                                                                 Date
HIGHLAND Financial Group

770 730-1707
770 730-1708 fax




                   ENVIRONMENTAL QUESTION AND DISCLOSURE STATEMENT
Applicant: ____________________________________________________________________________________

Address/location of the property: __________________________________________________________________
_____________________________________________________________________________________________

The purpose of this questionnaire is to provide information about past and present ownership and uses of the real property
upon which lender will rely in deciding whether to extend credit. Please respond as fully as possible to all questions,
including supporting documentary evidence where appropriate. If unable to answer, please respond ~unknown~' or ~not
applicable." Where space is inadequate to answer, please attach additional pages as needed. If applicant has an interest
(leasehold or fee interest) and conducts business at multiple locations, a separate disclosure statement should be supplied
for each location.


1.        Name of present owner(s) (if not applicant or tenant) of the property:



2.        Previous and present use of the property (to the extent of your knowledge):



3.        The previous and present use of all contiguous properties (based upon your knowledge and visual inspection):



4.        To the best of your knowledge has the real property or any contiguous property ever been used for industrial
          manufacturing, refining, processing, or agricultural purposes? If so, please describe.



5.        To your knowledge has any governmental agency ever cited, investigated, or reported upon any release or spill of
          any substance or chemical on the property or adjoining property?



6.        To your knowledge has a pre-acquisition site assessment or environmental audit every been obtained or required
          upon the property? If so include copy of report.



7.        Previous owner(s) and facility name(s) if different from present owner (if known):



8.        When was the building on the premises constructed?



9.        If buildings or improvements on premises were constructed prior to 1978. Do you know if asbestos was used for
          insulation or any other purpose?
10.      Are you aware of disposal facilities or dumpsites storing or using hazardous waste/toxic materials within a 2000-
         foot radius from the property? If so, please describe.



11.      If the answer to question 10 is yes, disclose whether the Environmental Protection Agency or State Department of
         Health Services (or other environmental authority) requires a permit for your occupancy of this property.




12.      Does your business use chemicals or substances requiring permits (including waste disposal permits) or licenses
         to own, use, or remove from the property'?



13.      If the answer to 12 is yes, where on the premises and in what containers are those chemicals or substances
         located?



14.      How are those chemicals or substances removed from the property?



15.      Are all appropriate licenses and permits current and are you presently in compliance with all regulations for
         continued utilization of licenses/permits? If not and is subject to pending suspension or revocation action, please
         describe basis for and copies of suspension/revocation action.



16.      Are there underground tanks, sumps, lines, or pipes on the premises, which store or convey toxic/hazardous
         chemicals?



17.      Have those tanks/lines been tested for structural integrity? When was the last test performed?



18.      Are electrical transformers, switchers, capacitors, or other comparable devices on premises? Have they been
         inspected for the presence of PCBs or other toxic/hazardous substances? If inspection reports have been made,
         include copies.



19.      Have there been or is there physical evidence of any spills, leaks, or other releases of any toxic/hazardous
         chemicals/substances on the property or contiguous property?




Applicant certifies that the above information is true, entire, and accurate.



Date: ____________________________            Property Owner:____________________________________________
                                                                                                                                     Please Read Carefully - Print or Type

                                                                                                         Each member of the small business concern or the development company requesting
                                                 United States of America                                assistance must submit this form in TRIPLICATE for filing with the SBA application. This
                                                                                                         form must be filled out and submitted by:
                                            SMALL BUSINESS ADMINISTRATION
                                           STATEMENT OF PERSONAL HISTORY                                 1.    If a sole proprietorship by the proprietor.
                                                                                                         2.    If a partnership by each partner.
                                                                                                         3.    If a corporation or a development company, by each officer, director, and additionally
                                                                                                            by each holder of 20% or more of the voting stock
                                                                                                         4.    Any other person including a hired manager, who has authority to speak for and commit
                                                                                                            the borrower in the management of the business.
     Name and Address of Applicant (Firm Name)(Street, City, State, and ZIP Code)                        SBA District/Disaster Area Office


                                                                                                         Amount Applied for (when applicable)                File No. (if known)


                                                                                                         Name and Address of participating lender or surety co. (when applicable and known)
1.                   Personal Statement of: (State name in full, if no middle name, state (NMN), or if
     2.     initial only, indicate initial.) List all former names used, and dates each name was used.
          Use separate sheet if necessary.

                    First                       Middle                           Last
                                                                                                         2. Date of Birth (Month, day, and year)


                                                                                                         3. Place of Birth: (City & State or Foreign Country)
     4. Give the percentage of ownership or stock owned          Social Security No.
     or to be owned in the small business concern or the
     Development Company                                                                                 U.S. Citizen?       YES       NO
                                                                                                         If no, give alien registration number:
     5. Present residence address:                                                                          Most recent prior address (omit if over 10 years ago):

          From:                                                                                               From:
          To:                                                                                                 To:
          Address:                                                                                            Address:

          Home Telephone No. (Include A/C):
          Business Telephone No. (Include A/C):
           IT IS AGAINST SBA's POLICY TO PROVIDE ASSISTANCE TO PERSONS NOT OF GOOD CHARACTER; THEREFORE, CONSIDERATION IS GIVEN TO A
           PERSON'S BEHAVIOR, INTEGRITY, CANDOR, AND DISPOSITION TOWARD CRIMINAL ACTIONS. IT IS ALSO AGAINST SBA's POLICY TO PROVIDE
           ASSISTANCE NOT IN THE BEST INTEREST OF THE UNITED STATES; FOR EXAMPLE, IF THERE IS REASON TO BELIEVE THE EFFECT OF SUCH
           ASSISTANCE WILL BE TO ENCOURAGE OR SUPPORT, DIRECTLY OR INDIRECTLY, ACTIVITIES HARMFUL TO THE SECURITY OF THE UNITED STATES.

           THEREFORE, IT IS IMPORTANT THAT THE NEXT THREE QUESTIONS BE ANSWERED TRUTHFULLY AND COMPLETELY. AN ARREST OR CONVICTION
           RECORD WILL NOT NECESSARILY DISQUALIFY YOU; HOWEVER, AN UNTRUTHFUL ANSWER WILL CAUSE YOUR APPLICATION TO BE DENIED.

           IF YOU ANSWER "YES" TO 6, 7, OR 8, FURNISH DETAILS IN A SEPARATE EXHIBIT. INCLUDE DATES, LOCATION, FINES, SENTENCES, WHETHER
           MISDEMEANOR OR FELONY, DATES OF PAROLE/PROBATION, UNPAID FINES OR PENALTIES, NAME(S) UNDERWHICH CHARGED, AND ANY OTHER
           PERTINENT INFORMATION.
     6. Are you presently under indictment, on parole or probation?

           Yes         No (If yes, indicate date parole or probation is to expire.)
     7. Have you ever been charged with and or arrested for any criminal offense other than a minor motor vehicle violation? Include offenses which have been dismissed, discharged, or not
        prosecuted (All arrests and charges must be disclosed and explained on an attached sheet.)
           Yes         No
     8. Have you ever been convicted, placed on pretrial diversion, or placed on any form of probation, including adjudication withheld pending probation, for any criminal offense other than
        a minor vehicle violation?
           Yes         No
     9. I authorize the Small Business Administration Office of Inspector General to request criminal record information about me from criminal justice agencies for the purpose of determining
        my eligibility for programs authorized by the Small Business Act, as amended.


     CAUTION: Knowingly making a false statement on this form is a violation of Federal law and could result in criminal prosecution, significant civil penalties, and a denial of your loan,
     surety bond, or other program participation. A false statement is punishable under 18 USC 1001 by imprisonment of not more than five years and/or a fine of not more than $10,000;
     under 15 USC 645 by imprisonment of not more than two years and/or a fine of not more than $5,000; and, if submitted to A Federally insured institution, under 18 USC 1014 by
     imprisonment of not more than twenty years and/or a fine of not more than $1,000,000.
     Signature                                                                     Title                                                                                       Date
     Agency Use Only
     10           Fingerprints Waived                                                                    11           Cleared Processing
                                                    Date                   Approving Authority                                                           Date              Approving Authority

                  Fingerprints Required                                                                               Request a Character Evaluation
                  Date Sent to OIG _________        Date                   Approving Authority                                                           Date              Approving Authority
                                                         PERSONAL FINANCIAL STATEMENT

  U.S. SMALL BUSINESS
  ADMINISTRATION                                                                                                                           As of                   ,
Complete this form for: (1) each proprietor, or (2) each limited partner who owns 20% or more interest and each general partner, or (3) each stockholder owning 20% or more of
voting stock, or (4) any Person or entity providing a guaranty on the loan.
 Name                                                                                                             Business Phone
 Residence Address                                                                                                Residence Phone
 City, State, & Zip Code
 Business Name of Applicant/Borrower
                                            ASSETS                      (Omit Cents)                                       LIABILITIES                         (Omit Cents)
 Cash on hands & in Banks                            $                                   Accounts Payable                                   $
 Savings Accounts                                    $                                   Notes Payable to Banks and Others                  $
 IRA or Other Retirement Account                     $                                        (Describe in Section 2)
 Accounts & Notes Receivable                         $                                   Installment Account (Auto)                         $
 Life Insurance-Cash Surrender Value Only            $                                        Mo. Payments $
     (Complete Section 8)                                                                Installment Account (Other)                        $
 Stocks and Bonds                                    $                                       Mo. Payments $
     (Describe in Section 3)                                                             Loan on Life Insurance                             $
 Real Estate                                         $                                   Mortgages on Real Estate                           $
     (Describe in Section 4)                                                                  (Describe in Section 4)
 Automobile-Present Value                            $                                   Unpaid Taxes                                       $
 Other Personal Property                             $                                        (Describe in Section 6)
     (Describe in Section 5)                                                             Other Liabilities                                  $
 Other Assets                                        $                                        (Describe in Section 7)
     (Describe in Section 5)                                                             Total Liabilities                                  $
                                                                                         Net Worth                                          $
                                            Total    $                                                                          Total       $


Section 1. Source of Income                                                              Contingent Liabilities
 Salary                                              $                                    As Endorser or Co-Maker                           $
 Net Investment Income                               $                                    Legal Claims & Judgments                          $
 Real Estate Income                                                                       Provision for Federal Income Tax                  $
 Other Income (Describe below)*                      $                                    Other Special Debt                                $

Description of Other Income in Section 1.




*Alimony or child support payments need not be disclosed in "Other Income" unless it is desired to have such payments counted toward total income.
                                                           (Use attachments if necessary. Each attachment must be identified as a part of
                                                           this statement and signed.)
                                                              Original      Current     Payment         Frequency                 How Secured or Endorsed
          Name and Address of Noteholder(s)
                                                              Balance      Balance       Amount       (monthly, etc.)                  Type of Collateral
Section 3.
                                                                                                         Market Value                  Date of
Number of Shares                     Name of Securities                              Cost                                                                      Total Value
                                                                                                       Quotation/Exchange        Quotation/Exchange




Section 4.                                    (List each parcel separately. Use attachment if necessary.
                                              Each attachment must be identified as a part of this statement and signed.)
                                                             Property A                                   Property B                                  Property C

Type of Property


Address


Date Purchased

Original Cost

Present Market Value

Name &
Address of Mortgage Holder


Mortgage Account Number

Mortgage Balance

Amount of Payment per Month/Year

Status of Mortgage

                                                                          (Describe, and if any is pledged as security, state name and address of lien holder, amount of lien,
Section 5.
                                                                          terms of payment and if delinquent, describe delinquency)




Section 6,      Unpaid Taxes.             (Describe in detail, as to type, to whom payable, when due, amount, and to what property, if any, a tax lien attaches.)




Section 7.      Other Liabilities.        (Describe in detail.)




Section S.      Life Insurance Held.      (Give face amount and rash surrender value of policies - name of insurance company and beneficiaries)




    I authorize SBA/Lender to make inquiries as necessary to verify the accuracy of the statements made and to determine my creditworthiness. I
    certify the above and the statements contained in the attachments are true and accurate as of the stated date(s). These statements are made
    for the purpose of either obtaining a loan or guaranteeing a loan. I understand FALSE statements may result in forfeiture of benefits and
    possible prosecution by the U.S. Attorney General (Reference 18 U.S.C. 1001).

   Signature:                                                             Date:                            Social Security Number:

   Signature:                                                             Date:                            Social Security Number:

 PLEASE NOTE:          The estimated average burden hours for the completion of this form is 1.5 hours per response. If you have questions or comments concerning this
                       estimate or any other aspect of this information, please contact Chief, Administrative Branch, U.S. Small Business Administration, Washington, D.C.
                       20416, and Clearance Officer, Paper Reduction Project (3245-0188), Office of Management and Budget Washington, D.C. 20503.
                      PERSONAL INCOME AND EXPENSE ANALYSIS
             NAME(S) ________________________________________________________________

SOURCES OF INCOME                                                         ANNUALLY

Gross Salary – Principal                                               $______________

                Spouse                                                 $______________
Other Income:
Rental                                                                 $______________

Interest                                                               $______________
Dividend                                                               $______________
Other:                                                                 $______________

TOTAL INCOME                                                           $______________
EXPENSES:
Mortgage -       Personal Residence                                    $______________
                 Rental Property                                       $______________
Alimony                                                                $______________

Automobile Loans                                                       $______________
Child Care                                                             $______________
Credit Card Expenses (5% of Credit Balances)                           $______________

Educational Expenses                                                   $______________
Income Taxes (Based on highest amount of past 3 years)                 $______________
Installment Loans                                                      $______________

Insurance (Medical/Life)                                               $______________
Miscellaneous (minimum 10% of total income)                            $______________
Personal Expenses                                                      $______________

Property Taxes (If not included in mortgage payment(s))                $______________
Rental Property Expenses                                               $______________
Utilities (including telephone and cable)                              $______________

Other Expenses ______________________________                          $______________
TOTAL EXPENSES                                                         $______________
Net Discretionary Income (Income minus Expenses)                       $______________
Coverage Ratio (Income/Expense)                                        _____________%
Income used for all expenses (%)                                       _____________%

_________________________________________________________     ________________________
Signature                                                     Date
Form  4506                    B                  Request for Copy of Transcript of Tax Form                                         B
(Rev. May 1997)
Department of the Treasury                                  Read Instructions before completing this form.                                       U.S. Small Business
Internal Revenue Service                 Type or print clearly. Request may be rejected if the form is incomplete or illegible.                Admin.OMB No. 1545-0429
            Note: Do not use this form to get tax account information. Instead, see instructions below.
1a Name shown on tax form. If a joint return, enter the name shown first.                         1b First social security number on tax form or employer
                                                                                                     identification number (See Instructions.)

2a If a joint return, spouse's name shown on tax form                                              2b Second social security number on tax form



3    Current name, address (including apt., room, or suite no.), city, state, and ZIP code



4    Address, (including apt, room, or suite no.), city, state, and ZIP code shown on the last return filed if different from line 3.



5    If copy of form or a tax return transcript is to be mailed to someone else, enter the third party’s name and address.

Georgia Banking Company, 6190 Powers Ferry Road, Suite 150, Atlanta, GA 30339
6    If we cannot find a record of your tax form and you want the payment refunded to the third party, check here
7    If name in third party's records differs from line Ia above, enter that name here (see instructions)
8    Check only one box to show what you want. There is no charge for items 8a, b, and c:

a)          Tax return transcript of Form 1040 series filed during the current calendar year and the 3 prior calendar years. (see instructions).
b)          Verification of nonfiling.
c)          Form(s) W-2 information (me Instructions).
d)          Copy of tax form and all attachments (including Form(s) W-2, schedules, or other forms). The charge Is $23 for each period requested.
           Note: If these copies must be certified for court or administrative proceedings, see instructions and check here
9    If this request is to meet a requirement of one of the following, check all boxes that apply.
       Small Business Administration       Department of Education                     Department of Veterans Affairs                        Financial Institution
10 Tax form number (Form 1040, 1040A, 941, etc.)                                     12 Complete only if line 8d is checked.                                Does not apply
                                                                                        Amount due:                                                         to SBA transcript
                                                                                            a Cost for each period                                          requests
11 Tax period(s) (year or period ended date). If more than four, see                        b Number of tax periods requested on line 11
   instructions.
                                                                                         c Total cost. Multiply line 12a by line 12b                        $
                                                                                     Full payment must accompany your request Make check
                                                                                     or money order payable to “Internal Revenue Service”
Caution: Before signing, make sure all items are complete and the form is dated
I declare that I am either the taxpayer whose name is shown on line 1a or 2a or a person authorized to obtain the tax information requested. I am
aware that based upon this form, the IRS will release the tax information requested to any party shown on line 5. The IRS has no control over what
that party does with the information.
                                                                                                                                        Telephone number of requester


Please           Signature. See instructions. It other than taxpayer, attach authorization document.          Date                      Best time to call

Sign
Here             Title (If line 1a above is a corporation, partnership, estate, or trust)                                               TRY A TAX RETURN
                                                                                                                                        TRANSCRIPT
                                                                                                                                        (see line 8a instructions)
                 Spouse’s signature                                                                           Date

Instructions                                             after the end of the year in which the wages were           days to get a copy of a tax form or W-2 information.
                                                         earned. For example, wait until Feb. 1999 to                To avoid any delay, be sure to furnish all the
                                                         request W-2 information for wages earned in 1997.           information asked for on Form 4506.
Section references are to the Internal
Revenue code.
                                                         Do not use this form to request Forms 1099 or tax           Forms 1099.---If you need a copy of a Form 1099,
TIP: If you had your tax form filled in by a paid        account information. See this page for details on           contact the payer. If Me payer cannot help you, call or
                                                         how to got these items.                                     visit the IRS to get Form 1099 Information.
preparer, check first to see if you can get a copy
from the preparer. This may save you both time
and money.                                               Note: Form 4506 must be received by the IRS                 Tax Account Information ---If you need a statement of
                                                         within 60 calendar days after the date you signed           your tax account showing any later changes that you
Purpose of Form. ---Use Form 4506 to get a tax           and dated the request.                                      or the IRS made to the original return, request tax
                                                                                                                     account information. Tax account information lists
return transcript, verification that you did not file
                                                         How Long Will It Take? ---You can get a tax return          certain items from your return, including any later
a Federal tax return, Form W-2, information, or a
                                                         transcript or verification of nonfiling within 7 to 10      changes.
copy of a tax form. Allow 6 weeks after you file a
tax form before you request a copy of it or a            workdays after the IRS receives your request. It
                                                         can take up to 60 calendar                                                                         (continued on back)
transcript. For W-2 information, wait 13 months
To request tax account information, write or visit an     right of line 8d. It will take at least 60 days to process your     Alaska, Arizona, California
IRS office or call the IRS at the number listed in        request.                                                            (counties of Alpine, Amador,
your telephone directory.                                                                                                     Butte, Calaveras, Colusa,
                                                          Line 11 --- Enter the year(s) of the tax form or tax return         Contra Costa, Del Norte, El
If you want your tax account information sent to a        transcript you want. For fiscal-year filers or requests for         Dorado, Glenn, Humboldt,
third party, complete Form 8821, Tax Information          quarterly tax forms, enter the date the period ended; for           Lake, Lassen, Marin,
authorization. You may get this form by phone (call       example, 3/31/96, 6/30196, etc. If you need more than four          Mendocino, Modoc, Napa,            P.O. Box 9941
1-800-829-3676) or on the Internet (at                    different tax periods, use additional Forms 4506. Tax forms         Nevada, Placer, Plumes,            Photocopy Unit
http://www.irs.ustreas.gov).                              filed 6 or more years ago may not be available for making           Sacramento, San Joaquin            Stop 6734
                                                          copies. However, tax account information is generally still         Shasta, Sierra, Siskiyou,          Ogden, UT 84409
Line 1b --- Enter your employer identification            available for these periods.                                        Solano, Sonoma, Sutter,
number (EIN) only if you are requesting a copy of a                                                                           Tehama, Trinity, Yolo, and
business tax form. Otherwise, enter the first social      Line 12c --- Write your SSN or EIN and "Form 4506                   Yuba), Colorado, Idaho,
security number (SSN) shown on the tax form.              Request" on your check or money order. If we cannot fill            Montana, Nebraska, Nevada,
                                                          your request, we will refund your payment.                          North Dakota, Oregon, South
Line 2b --- If requesting a copy or transcript of a       Signature --- Requests for copies of tax forms or tax return        Dakota, Utah, Washington.
joint tax form, enter the second SSN shown on the         transcripts to be sent to a third party must be signed by the       Wyoming California (all other
tax form.                                                 person whose name is shown on line I a or by a person               counties), Hawaii
                                                          authorized to receive the requested information.
Note: If you do not complete line 1b and, if
applicable, line 2b, there may be a delay in              Copies of tax forms or tax return transcripts for a jointly filed
processing your request                                   return may be furnished to either the husband or the wife.
                                                          Only one signature is required. However, see the line 8c            California (all other counties),   5045 E. Butler Avenue
Line 5 --- If you want someone else to receive the        instructions. Sign Form 4506 exactly as your name appeared          Hawaii                             Photocopy Unit
tax form or tax return transcript (such as a CPA, an      on the original tax form. If you changed your name, also sign                                          Stop 52180
enrolled agent, a scholarship board, or a mortgage        your current name.                                                                                     Fresno, CA 93888
lender), enter the name and address of the
individual. If we cannot find a record of your tax        For a corporation, the signature of the president of the
form, we will notify the third party directly that we     corporation, or any principal officer and the secretary, or the
cannot fill the request.                                  principal officer and another officer are generally required.       Illinois, Iowa, Minnesota,         2306 E. Bannister Road
                                                          For more details on who may obtain tax information on               Missouri, Wisconsin                Photocopy Unit
Line 7 --- Enter the name of the client, student, or      corporations, partnerships, estates, and trusts, see section                                           Stop 57A
applicant if it is different from the name shown on       6103.                                                                                                  Kansas City, MO 64999
line 1 a. For example, the name on line 1 a may be
the parent of a student applying for financial aid. In    If you are not the taxpayer shown on line I a, you must attach
this case, you would enter the student's name on line     your authorization to receive a copy of the requested tax form
7 so the scholarship board can associate the tax form     or tax return transcript. You may attach a copy of the
or tax return transcript with their file.                 authorization document if the original has already been filed       Alabama, Arkansas,                 P.O. Box 30309
                                                          with the IRS. This will generally be a power of attorney            Louisiana, Mississippi, North      Photocopy Unit
Line 8a --- If want a tax return transcript, check this   (Form 2848), or other authorization, such as Form 8821, or          Carolina, Tennessee                Stop 46
box. Also, on line 10 enter the tax form number and       evidence of entitlement (for Title 11 Bankruptcy or                 Delaware, District of              Memphis, TN 38130
on line 11 enter the tax period, for which you want       Receivership Proceedings). If the taxpayer is deceased, you         Columbia, Maryland,
the transcript.                                           must send Letters Testamentary or other evidence to establish       Pennsylvania, Virginia, a
                                                          that you are authorized to act for the taxpayer's estate.           foreign country, or A. P.O. or
A tax return transcript is available for any returns of                                                                       F.P.0 address
the 1040 series (Form 1040, Form 1040A, 1040EZ,           Where To File --- Mail Form 4506 with the correct total
etc.). It shows most line items from the original         payment attached, if required, to the Internal Revenue
return, including accompanying forms and                  Service Center for the place where you lived when the
schedules. In many cases, a transcript will meet the      requested tax form was filed.                                       Delaware,                          11601 Roosevelt Blvd.
requirement of any lending institution such as a                                                                              District of Columbia,              Photocopy Unit
financial institution, the Department of Education,       Note: You must use a separate form for each                         Maryland, Pennsylvania,            DP 536
or the Small Business Administration. It may also         Service center from which you are requesting a copy of your         Virginia, a foreign country, or    Philadelphia, PA 19255
be used to verify that you did not claim any              tax form or tax return                                              A.P.O. or F.P.O. address
itemized deductions for a residence.
                                                              If you lived in:               Use this address:
Note: A tax return transcript does not reflect any
changes you or the IRS made to the original return.
If you want a statement of your tax account with the
changes, see Tax Account Information on page 1.           New Jersey, New York               1040 Waverly Ave.                Privacy Act and Paperwork Reduction Act Notice. -- We ask
                                                          (New York City and                 Photocopy Unit                   for the information on this form to establish your right to gain
Line 8b --- Check this box only if you want proof         counties of Nassau,                Stop 532                         access to your tax form or transcript under the Internal Revenue
from the IRS that you did not file a return for the
                                                          Rockland, Suffolk, and             Holtsville, NY 11742             Code, including sections 6103 and 6109. We need it to gain
year. Also, on line 11 enter the tax period for which
                                                          Westchester)                                                        access to your tax form or transcript in our files and properly
you want verification of nonfiling.
                                                                                                                              respond to your request. If you do not furnish the information,
                                                                                                                              we will not be able to fill your request. We may give the
Line 8c --- If you want only Form(s) W-2
                                                                                                                              information to the Department of Justice or other appropriate
information, check this box. Also, on line 10 enter
                                                          New York (all other                310 Lowell St.                   law enforcement official, as provided by law.
"Forms(s) W-2 only" and on line 11 enter the tax
                                                          counties), Connecticut,            Photocopy Unit
period for which you want the information.                Maine, Massachusetts,              Stop 679                         You are not required to provide the information requested on a
                                                          New Hampshire,                     Andover, MA 0 1810               form that is subject to the Paperwork Reduction Act unless the
You may receive a copy of your actual Form W-2 or         Rhode Island, Vermont                                               form displays a valid OMB control number. Books or records
a transcript of the information, depending on how                                                                             relating to a form or its instructions must be retained as long as
your employer filed the form. However, state                                                                                  their contents may become material in the administration of any
withholding information is not shown on a
                                                                                                                              Internal Revenue law. Generally, tax returns and return
transcript. If you have filed your tax return for the
                                                          Florida, Georgia,                  4800 Buford Hwy.                 information are confidential, as required by section 6103.
year the wages were earned, you can get a copy of
                                                          4800 Buford Hwy.                   Photocopy Unit
the actual Form W-2 by requesting a complete copy
                                                          South Carolina                     Stop 91                          The time needed to complete and file this form will vary
of your return and paying the required fee.               Photocopy Unit                     Doraville, GA 30362              depending on individual circumstances. The estimated average
                                                                                                                              time is: Recordkeeping, 13 min.; Learning about the law or the
Contact your employer if you have lost your                                                                                   form, 7 min.; Preparing the form, 26 min.; and Copying,
current years Form W-2 or have not received it                                                                                assembling, and sending the form to the IRS, 17 min.
by the time you are ready to prepare your tax             Indiana, Kentucky,                 P.O. Box 145500
return.                                                   Michigan, Ohio,                    Photocopy Unit                   If you have comments concerning the accuracy of these time
                                                          West Virginia                      Stop 524                         estimates or suggestions for making this form simpler, we would
                                                                                             Cincinnati, OH 45250             be happy to hear from you. You can write to the Tax Forms
Note: If you are requesting information about your
                                                                                                                              Committee, Western Area Distribution Center, Rancho Cordova,
spouse's Form W-2, your spouse must sign Form
                                                                                                                              CA 95743-0001. DO NOT send the form to this address.
4506.
                                                                                                                              Instead, see Where To File on this page.
                                                          Kansas, New Mexico,                3651 South Interregional
Line 8d --- If you want a certified copy of a tax
                                                          Oklahoma, Texas                    Hwy.
form for court or administrative proceedings, check
                                                                                             Photocopy Unit
the box to the
                                                                                             Stop 6716
                                                                                             Austin, TX 73301
      AGING OF ACCOUNTS RECEIVABLE AND ACCOUNTS PAYABLE SUMMARY
                             (Please attach actual schedules to support summary information)

Company Name:

NOTE: Accounts Receivable And Accounts Payable must reconcile with the current business balance sheet that is provided
with the application.

AGING                                       Accounts Receivable                 Accounts Payable

UNDER 30 DAYS                               $                                   $
30- 59 DAYS                                 $                                   $
60- 89 DAYS                                 $                                   $
90- 119 DAYS                                $                                   $
120- 180 DAYS                               $                                   $
OTHER                                       $                                   $
               TOTALS:                      $                                   $



A/R Concentration greater than or equal to 10% of total                 $
A/R Percentage % greater than or equal to 90 days                       $
A/P Concentration greater than or equal to 10% of total                 $
A/P Percentage % greater than or equal to 90 days                       $

IDENTIFY CONCENTRATIONS GREATER THAN 15%




EXPLAIN COLLECTION/ PAYMENT PROCESS




Signature                                           Date
                AUTHORIZATION TO RELEASE INFORMATION


I/We hereby authorize the release to HIGHLAND Financial Group, any and all information, at any
time, necessary for any purpose related to our credit transaction with them. I/We further authorize
HIGHLAND Financial Group to release such information to any entity they deem necessary for any
purpose related to our credit transaction with them.

I/We hereby certify that any and all information enclosed, including any attachments or exhibits, is/are
valid and correct to the best of my/our knowledge.

I/We hereby acknowledge that all loan approvals will be in writing and subject to the terms and
conditions set forth in a commitment letter signed by officer(s) of HIGHLAND Financial Group.

All proprietors, partners, directors, officers, and stockholders with 20% or more ownership
interest must sign this form (include spouses when applicable).


Signature      ________________________________________ Date __________________

Printed Name ________________________________________

Signature      ________________________________________ Date __________________

Printed Name ________________________________________

Signature      ________________________________________ Date __________________

Printed Name ________________________________________

Signature      ________________________________________ Date __________________

Printed Name ________________________________________

				
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